Total CFPB complaints
24
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 24 complaints
Gold Star Finance, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 1 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Gold Star Finance, Inc.
- Communication tactics
Communication tactics
11 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
5 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
5 complaints
- Threatened to contact someone or share information improperly 2
Threatened to contact someone or share information improperly
2 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
B
Grade B · 72.8/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Gold Star Finance, Inc.?
Gold Star Finance, Inc. has accumulated 24 total CFPB complaints across 1 states, with 6 filed in the most recent 12 months against 18 historical complaints before that window. The trailing-12-month volume represents 25.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 1 states, led by Texas with 24, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 72.8/100 places Gold Star Finance, Inc. in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
6
25.0% of total history
Rising ↑
States active
1
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
72.8/100 composite
Response-quality profile
How Gold Star Finance, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 1.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Gold Star Finance, Inc. compare to its peers?
Gold Star Finance, Inc… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2017-01 2026-02
Top Consumer Issues
Communication tactics11 (%)
Took or threatened to take negative or legal action5 (%)
Attempts to collect debt not owed5 (%)
Threatened to contact someone or share information improperly2 (%)
Written notification about debt1 (%)
Most common issue: Communication tactics — Frequent or repeated calls
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 8 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 5 |
| Communication tactics | Used obscene, profane, or other abusive language | 2 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 2 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
Where do complaints against Gold Star Finance, Inc. come from?
The states where consumers have filed the most CFPB complaints against Gold Star Finance, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Gold Star Finance, Inc.
Across 1 states with at least one filing
- Texas
Texas
24 complaints
Frequently Asked Questions
What is the most common complaint against Gold Star Finance, Inc.? ▼
The most common issue consumers report about Gold Star Finance, Inc. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 24 complaints filed with the CFPB.
Are complaints against Gold Star Finance, Inc. increasing or decreasing? ▼
Complaints against Gold Star Finance, Inc. are rising. The company received 6 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Gold Star Finance, Inc.'s reputation grade? ▼
Gold Star Finance, Inc. has a reputation grade of B (score: 72.8/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Gold Star Finance, Inc. respond to consumer complaints? ▼
Gold Star Finance, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Gold Star Finance, Inc. operate? ▼
Gold Star Finance, Inc. has received CFPB complaints from consumers in 1 states, with the most complaints from Texas (24 complaints).
What can I do if Gold Star Finance, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Gold Star Finance, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |